The terms governing your use of overdraftme.com.au and our finance broking services
Please read these terms carefully. By accessing overdraftme.com.au or submitting an enquiry, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this website or our services.
OverdraftMe operates as a credit representative of Lend & Loan, holder of Australian Credit Licence 511092. Our registered office is Level 35, One International Towers, 100 Barangaroo Avenue, Sydney NSW 2000. Contact: info@overdraftme.com.au.
OverdraftMe is a member of the Mortgage & Finance Association of Australia (MFAA) and is registered with the Australian Financial Complaints Authority (AFCA).
OverdraftMe provides credit assistance - we act as a broker between you and lenders. We do not provide credit ourselves. All credit products are provided by third-party lenders, subject to the lender's own terms and conditions and credit assessment.
OverdraftMe provides credit assistance services. This means we:
Important: OverdraftMe is a credit representative acting as a broker. We do not make lending decisions. All credit assessments, approvals and lending decisions are made solely by the lender. Approval is not guaranteed and is subject to the lender's credit criteria.
Our services are provided to you at no cost. OverdraftMe is paid a commission by the lender upon settlement of a credit product. The amount of this commission varies by lender and product. We will disclose the commission amount to you in the Credit Proposal Disclosure document provided before any application is submitted.
We do not charge broker fees, application fees or upfront fees to you. Any fees associated with a credit product are charged by the lender, not by OverdraftMe, and will be fully disclosed before you sign any loan agreement.
The content on this website - including articles, guides, calculators, eligibility information and product descriptions - is provided for general information purposes only. It does not constitute:
You should obtain independent professional advice appropriate to your specific circumstances before making any financial decision.
The finance calculator on our website provides indicative estimates only. Calculator results are based on the information you input and general assumptions. They do not constitute a credit offer, pre-approval or guarantee of finance. Actual loan terms, interest rates, fees and amounts are determined by the lender following a full credit assessment.
When using our services, you agree to:
Providing false or misleading information to obtain credit is a serious offence under Australian law and may constitute fraud.
By submitting an application through OverdraftMe, you consent to:
Your information will be handled in accordance with our Privacy Policy and the Privacy Act 1988 (Cth).
All content on this website - including text, graphics, logos, calculators, blog articles and design - is owned by or licensed to OverdraftMe and is protected by Australian and international copyright law.
You may view and print content from this website for your personal, non-commercial use only. You must not reproduce, modify, distribute or commercially exploit any content without our prior written consent.
We take reasonable care to ensure the information on our website is accurate and current. However, we make no warranty that the website will be error-free, uninterrupted, or free from viruses or other harmful components.
We reserve the right to modify, suspend or discontinue any part of the website at any time without notice. We are not liable for any loss resulting from your reliance on information on this website or from website unavailability.
Our website may contain links to third-party websites, including lender websites, industry bodies and government resources. These links are provided for convenience only. We do not control, endorse or take responsibility for the content, privacy practices or accuracy of any third-party website. You access third-party websites at your own risk.
To the maximum extent permitted by law, OverdraftMe and Lend & Loan exclude all liability for:
Nothing in these terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition implied or imposed by legislation that cannot lawfully be excluded, including under the Australian Consumer Law.
If you have a complaint about our services, please contact us first:
Email: info@overdraftme.com.au
Post: Complaints Officer, OverdraftMe c/o Lend & Loan
Level 35, One International Towers, 100 Barangaroo Avenue, Sydney NSW 2000
We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you are not satisfied with our resolution, you may escalate your complaint to:
These Terms and Conditions are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales for any dispute arising from these terms or your use of our website or services.
We may update these Terms and Conditions from time to time. The current version will always be published at overdraftme.com.au/terms with the effective date noted at the top. Your continued use of our website or services after any update constitutes acceptance of the revised terms.
If any provision of these Terms and Conditions is found to be invalid, illegal or unenforceable, that provision will be severed from these terms and the remaining provisions will continue in full force and effect.
For any questions regarding these Terms and Conditions, please contact us at info@overdraftme.com.au.
OverdraftMe operates as a credit representative of Lend & Loan (ACL 511092) under the National Consumer Credit Protection Act 2009 (Cth). Lend & Loan is a member of the MFAA (Mortgage & Finance Association of Australia) and is registered with AFCA (Australian Financial Complaints Authority, membership number available on request).
Before we provide credit assistance, we are required by law to provide you with a Credit Guide and, where applicable, a Credit Proposal Disclosure document. These documents will be provided to you at the appropriate stage of the application process.